Good Choice we love our 21reg 650, we are two up all time and I think it's brilliant, having come from an ST1300 Pan.
We went for the standard one with alloy wheels and had it upgraded with the accessories, due to the stories I have read on the XT of the spokes tarnishing, or rusting on relatively new bikes, then apparently a struggle with Suzuki arises, trying to get them to change them under warranty, also you have to be careful what you clean the anodised rims with, one, owner's rims have faded as I know of, on a couple of months old bike, I didn't need that hassle
Only two gripes with ours, rock hard seat, which we had re-upholstered and wind blast
new Puig screen cured that, Givi airflow screen didn't work, now delighted with it .